USD 14,818.00 0.00
JPY 117.00 0.01
GBP 18,074.00 0.01
AUD 10,607.00 0.00
HKD 2,041.00 0.00
SGD 10,902.00 0.00
EUR 15,247.00 0.01
MYR 3,482.00 0.00
SAR 4,147.00 0.00
CNY 2,295.00 0.00
Currency Purchasing Price Selling Price
  • USD 14,568.00 14,818.00
  • JPY 105.00 117.00
  • GBP 17,567.00 18,074.00
  • AUD 10,321.00 10,607.00
  • HKD 1,709.00 2,041.00
  • SGD 10,518.00 10,902.00
  • EUR 14,896.00 15,247.00
  • MYR 3,123.00 3,482.00
  • SAR 3,678.00 4,147.00
  • CNY 2,058.00 2,295.00
BTN Contact Us

Tabungan BTN Cermat Ponsel for the Convenient Way to Save

Enjoy the benefit of Tabungan BTN Cermat Ponsel with a phone based savings account that connects to the Tabungan BTN Cermat. Simple banking, anywhere, anytime

Tabungan BTN Cermat Ponsel

Tabungan BTN Cermat Ponsel is a mobile based that connects to Tabungan BTN Cermat savings account to provide easy access for low income citizens for planning a better future

Low initial deposit

Free administration charge

Convenient way to purchase and pay your bills

Transaction with nearest branchless banking agent

Wide ATM coverage

Transaction using your mobile phone (BTN Cermat Ponsel)

Generan Information of BTN Cermat Ponsel Savings Product

1.00% Interest without minimum balance




Initial Deposit

IDR 3.000

Minimum Balance


Maximum Deposit

IDR 20.000.000

Minimum Advanced Deposit

Free, does not exceed maximum balance

Maximum amount of Cash Withdrawals, Transfers, and Book-Entry

IDR 5.000.000 per month

Costs may change due to bank’s condition.

Terms and Condition
  • Account applicable for individual Indonesian Citizens or Foreign Citizens
  • Require to submit mandatory documents
  • The account is active after terms and conditions are met and approved by Bank BTN
Services Fee




Account Opening


Administration Fee


Cash Withdrawal

IDR 2.500

Account Closing


Transfer Other Bank

IDR 2.500


IDR 500 up to IDR 1.000


IDR 1.000 up tp IDR 2.000

Last 5 (five) Transaction Printing


How to Register
  • Complete the documents required and first time deposit funds
  • Visit the nearest Bank BTN outlet, Post Office, or Branchless Banking agent
  • Visit the customer service to open Tabungan BTN Cermat Ponsel account
  • Fill out the form and submit all the documents
  • Follow all procedures
  • Tabungan BTN Cermat Ponsel savings account is ready to use
Documents Completeness
  • Completeness of Personal Documents 
    • Indonesian Citizens ( >17 years old ): ID Card/Driver’s License/Passport and Tax ID